Core Viewpoint - Several banks are adjusting their personal precious metals trading services due to significant market volatility and associated risks, with a focus on reducing high-risk trading channels and managing operational costs [2][4][5]. Group 1: Bank Adjustments - Industrial Bank announced it will close its online trading channel for personal precious metals transactions after February 14, 2026, while maintaining other transaction channels [2]. - Other banks, including Postal Savings Bank and Industrial and Commercial Bank of China, have also announced similar adjustments, with the former ceasing its personal precious metals business entirely from January 12, 2026 [5][6]. - The adjustments reflect a broader trend in the banking industry to tighten or withdraw from personal precious metals trading services, emphasizing risk management and compliance [5][6]. Group 2: Market Conditions and Risks - The current precious metals market is experiencing significant volatility, prompting banks to remind clients to complete necessary account closures and transactions [4]. - The high leverage and volatility associated with personal precious metals trading, particularly in deferred contracts, pose substantial risks to individual investors, leading banks to proactively manage these risks [5][6]. - Industry experts highlight that the primary risks in personal precious metals trading include market, compliance, operational, and reputational risks, with market risk being the most critical due to price fluctuations [6].